Our Mission – to help you.
Our mission at Defined Mortgage Services Inc. is to use our experience and contacts in the financial industry to source mortgage financing to meet your needs and objectives.
We specialize in financing for self-employed applicants, applicants with past or current credit challenges, applicants who want to re-establish credit after bankruptcy or consumer proposal and Debt Consolidation
Our Services
Refinancing
Has your lender offered you the going rate to renew? Have they taken the time to discuss your current needs and wants? Do you need to renovate, pay for your child’s education or want to take a well-deserved vacation? Consult with Defined Mortgage Services to plan and execute a strategy that works for you.
Purchase
Whether you are buying your first home, upgrading or downsizing, trust Defined Mortgage Services to determine the best mortgage product, term and rate applicable to your personal circumstances. Call us for an initial consultation when considering a purchase and provide purchase agreement and listing when you enter into an agreement to purchase and we will do the rest.
Debt Consolidation
Have circumstances gotten in the way of your financial wellbeing? Are you on the never-never plan meeting minimum monthly payments? Tossing and turning at night due to credit card debt, personal income tax or property tax arrears? Trust Defined Mortgage Services to consolidate debt into one manageable monthly payment.
Our Latest Articles
The Closing Window: Is Homeownership Still Possible in 2025?
Homeownership has long been a dream for many Canadians, but as market conditions tighten, more buyers believe they’ve missed their chance. Rising mortgage rates, limited inventory, and economic uncertainty have pushed timelines further, leaving many wondering: Is...
Mortgage Renewals in Canada: How to Reduce Your Payments in 2025
For many Canadian homeowners, this year is bringing a financial wake-up call. More than a million mortgages are up for renewal, and the reality of higher interest rates is starting to hit hard. Just a few years ago, borrowers locked in historically low rates—some at...
Top 5 Affordable Home Improvements for Canadian Homeowners in 2025
As we settle into 2025, many Canadian homeowners are looking for budget-friendly ways to enhance their homes. Whether you’re preparing to sell, increase energy efficiency, or simply refresh your living space, affordable home improvements can make a big difference...
Bank of Canada Cuts Interest Rates Again: What It Means for You
The Bank of Canada has reduced its overnight lending rate by 25 basis points to 2.75%, marking its seventh consecutive rate cut since June 2024. This decision comes as Canada's economy faces increasing pressure from an ongoing trade war with the U.S., which has begun...
March is Fraud Awareness Month: Protect Yourself from Mortgage Scams
March is Fraud Awareness Month in Canada, making it the perfect time to shed light on mortgage fraud and how to protect yourself. Whether you're a first-time homebuyer, a homeowner looking to refinance, or an investor, understanding mortgage fraud is crucial. Scammers...
How to Improve Your Credit Score for a Better Mortgage Rate in Canada
Why Your Credit Score Matters When Applying for a Mortgage Your credit score is one of the most crucial factors that lenders in Canada consider when determining your mortgage eligibility. A higher credit score can mean: ✅ Lower interest rates✅ Better mortgage terms✅...
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Book your free consultation today to achieve your financial objectives.
Email: adoria@mtgarc.ca
Telephone: 647-201-0167
